The state of California and most clients you work with require you — as an independent contractor — to carry general liability insurance. With that said, your own peace of mind as a business owner demands you have the best general liability insurance coverage you can afford to carry. That’s why the folks at California Contractors Insurance do what we do. We strive to provide you with this coverage so you can do what you do best without the worry of litigation that can destroy everything you’ve worked so hard for. General liability insurance protects you, your business, your clients, and meets the state of California’s legal requirements.
General Liability Insurance Company Near Me In Idyllwild California
At the end of the day, general liability insurance will allow you to sleep at night knowing that if the unforeseen does occur, California Contractors Insurance will become your partner to cover you. We provide this top of the line coverage to be comprehensive and affordable. Our insurance experts are exceptionally well trained to work with you and provide you with a tailor-made policy to satisfy your peace of mind as well as coverage to make your clients, customers in Idyllwild is happy. Our general liability insurance coverage protects you, your clients, and customers including legal fees and any resulting damages from lawsuits.
Free General Liability Insurance Quote – (888) 728-4034
Since you’re on this page and reading this missive, you’re most likely interested or in need of affordable and comprehensive general liability insurance. So call the experts at California Contractors Insurance today at (888) 728-4034 to request a quote. A friendly associate in Idyllwild CA 92549 is always ready to assist you and answer any of your questions.
More About General Liability Insurance
What Is General Liability Insurance
General liability insurance in Idyllwild is a kind of commercial insurance plan that provides liability coverage for general business risks. This type of insurance is usually the first line type of coverage a business gets, and it covers general typical risks like personal injury and property damage.
General liability insurance policies will cover you (and your business) in Idyllwild CA if you are held accountable for damages that happen on your property. Such a policy protects your business from expensive lawsuits in case something fails, like a general repair that ends up with a wall tore down!
What General Liability Insurance Won’t Cover
There are circumstances where general liability insurance coverage in Idyllwild will not apply. Cases that are generally covered by individual or vehicle insurance might not be covered sometimes. General liability insurance policies are developed to cover for damages and bodily injuries that result from your products, services, and operations.
So, when does the coverage fail to apply?
• Car mishaps
• Professional mistakes
• Intentional acts
• Craftsmanship errors
• Damages due to liquor or substance influence.
• Damages occasioned by pollution
• Directors and Officers liability (this is a policy that covers directors and officers of the company as reimbursement or development in case of legal action).
Therefore, it is smart to seek different insurance policies to cover these specific areas, otherwise your business will be at risk of a suit in case these instances occur.
Marketing Injury
It is possible to cause what is described as “advertising injury” when there is a copyright violation, slander or libel. Thus, the aggrieved party can sue your staff members or the business as a whole if they feel justified.
In this age of social media and prevalent digital connection, it is possible for a tweet or Facebook post to land your business in trouble. For example, if someone associated to your business makes a joke that the grieved party finds offensive and to make matters worse, the post goes viral; the result could be trouble for your company. This will be considered a kind of marketing injury since the content will paint the aggrieved party in bad light, possibly affecting their public esteem and hence, their business.
Your general liability insurance coverage will come in handy to pay for legal costs and should the aggrieved party be granted compensation; it will cover that too.
Item Liability
As mentioned, it is possible for your services and products to cause injury. Products will in some cases cause the injuries far from your business. For example, if an appliance malfunctions and in the process hurts the user or causes an electric short that harms the user’s property, you will be held liable for such damages.
Another situation would be if you run a restaurant and a customer happens to fall ill after consuming your food. In both circumstances, your business general liability policy will cover the lawsuits expenses and resultant settlement expenses along with immediate hospital costs.
To Conclude
General liability insurance policies cover a business against a host of personal and property damages that are connected with your business. These damages can not be preempted, and even with protective steps in place, you may still find yourself on the defense. Therefore, it is very important to stay covered. Don’t take the risk considering that mishaps do not make appointments.